Editors Review

Pros

no annual fee

student credit card for college folks with no previous credit

Cons

high APR

no rewards

no bonuses

2-3% foreign transaction fee

Verdict

Not the best credit card; the card doesn't offer any incentive to apply for it - no sign up bonuses, no rewards programs. Moreover, the high end APR is a little too high, however, it is decided individually based on the applicants credit situation (or a co-signer situation more often after the CARD Act).

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